Get an online car insurance quote in minutes

  • 5 star Defaqto rating on RAC Online Plus Car Insurance
  • RAC have been insuring drivers for over 35 years
  • Online car insurance from a brand you can trust

Existing customer? Log in to manage your account 24/7

RAC Online Car Insurance

RAC Online is self-service car insurance that puts you firmly in the driving seat. Give the call centre a miss and instead access and make changes to your policy 24/7, online. You’ve got the freedom to manage your account as you like. Plus get support from our virtual assistant at anytime, or our live chat function is available Mon-Fri 8am-8pm, Saturday 8am-6pm and Sunday 10am-4pm.

Because call centre support is limited, we’ve reduced our online admin fee. And if you need to call us to make a claim, you’ll get the same exceptional service.

5 Star Rated Defaqto RAC Car Insurance Plus

Top rated cover

Our RAC Online Car Insurance Comprehensive Plus cover is 5 Star Defaqto rated

Uninsured driver cover

Keep your no claims discount even if you’re hit by an uninsured driver, comprehensive plus policies only

24/7 claims support

Report a claim to our helpline 24 hours a day, 7 days a week

What makes RAC Online different?

The insurance cover offered by RAC Online is the same as our standard car insurance levels. The only difference? Because it’s a ‘self-service’ option, call centre support is limited. And that means that we can offer you lower admin fees when making changes online.

What does self-service insurance mean?

Self-service insurance is a time and hassle-saving way to manage your insurance policy. Rather than needing a helpline to make changes to your policy or details, with self-service customers can do it themselves, online.

What changes can I make online?

Log in to My Account anytime of the day to check or manage your insurance cover.

 Make a change to your vehicle or personal details
Renew your policy
 Make a payment
 View or download your policy documents

Visit our RAC Online FAQs to find out more about our digital-only product.

Why choose RAC Online?

Online self-service

Manage everything yourself, digitally, with live chat for help


Download and view your documents digitally through My Account

Lower admin fees

By cutting out the call centre, we can reduce our online admin fee too

Compare RAC Insurance policies

Compare the different cover levels and features available with RAC Online Car Insurance.


Comprehensive plus


Third Party, Fire and Theft

60 days EU cover (at the same level as in the UK)

Uninsured driver promise

Vandalism promise

Courtesy car as standard (subject to availability and eligibility)

Repairs guaranteed (for 3 years at approved garages)

Personal accident benefit


Medical expenses

Personal belongings

Transfer Home or Hotel Stay after an accident1

Child seat cover

Window glass cover

Emergency treatment

Replacement locks

Cover for accessories

Sound and sat nav equipment

£1000 or Unlimited if manufacturer-fitted
£500 or Unlimited if manufacturer-fitted
£500 or Unlimited if manufacturer-fitted

New car benefit

And we don’t just offer insurance for your car – upgrade your cover with our range of optional extras including RAC Breakdown cover, Motor Legal Protection, Keycare and Guaranteed Replacement Car.

RAC Online FAQs
Visit our FAQs to find out more about our digital car insurance.

Miss the reassurance of call centre support?

Find out more about our standard car insurance product which offers the same quality insurance and great service.